Pacífico Compañía de Seguros Maintains A- Rating with 22% Market Share in Peru
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 18 2025
0mins
Should l Buy BAP?
Source: Businesswire
- Rating Affirmation: AM Best has affirmed Pacífico's Financial Strength Rating of A-, reflecting its strong balance sheet, adequate operating performance, and appropriate risk management, indicating the company's stability in the Peruvian insurance market.
- Market Position: As the second-largest insurer in Peru, Pacífico holds a 22% market share, with over half of its business portfolio in life insurance, showcasing its strength in diversified product offerings.
- Capital Adequacy: Pacífico's risk-adjusted capitalization is assessed at the strongest level, bolstered by a profit of $219 million in 2024, which has strengthened its capital base and supports future business growth.
- Operating Performance: The company has made underwriting adjustments in sensitive pension-related business lines to counter pandemic impacts, resulting in visible profit improvements each year, and if it continues to maintain favorable underwriting results, positive rating actions may follow.
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Analyst Views on BAP
Wall Street analysts forecast BAP stock price to fall
3 Analyst Rating
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 341.050
Low
264.00
Averages
323.00
High
412.00
Current: 341.050
Low
264.00
Averages
323.00
High
412.00
About BAP
Credicorp Ltd is a Peru-based financial services holding company. The Company is organized into four lines of business: Universal Banking, Insurance and Pensions that mainly serve the overall Peruvian market, Microfinance and Investment Banking and Wealth Management that have a strong presence in Latin America. The Company has leveraged its franchises and has consolidated into a Group with more than 36,000 employees and operations mainly in six countries: Peru, Bolivia, Colombia, Chile, Panama and the United States.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Executive Participation: The call will be hosted by several executives, including CEO Gianfranco Ferrari, showcasing the leadership team's professionalism and commitment to investors, which may bolster market confidence in Credicorp.
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- Strategic Integration: Credicorp's CEO Gianfranco Ferrari stated that this acquisition will deepen their ability to serve Latin American clients in the U.S., combining Helm Bank's community banking legacy to enhance competitiveness in international markets.
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